In 2026, the USDA loan limit in Council-Bluffs, within Pottawattamie county, IA, is $285,000. Conversely, for a single-family home, the FHA limit stands at $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates, while determining your income, credit, reserves, and the documents required to qualify. Our advanced mortgage calculator presents a side-by-side comparison of USDA, FHA, Conforming, and VA loans to assist in selecting the most appropriate program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to provide you with the optimal USDA or FHA loan quickly and efficiently. Begin with one of three methods that result in matching lenders and USDA loan programs.
The USDA home loan, endorsed by the U.S. Department of Agriculture, is also known as a USDA rural development loan. This mortgage is only available in rural areas and does not require a down payment, unlike FHA loans which demand a minimum of 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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